When it comes to online banking, the first thing that comes to mind is this service for individuals, which most of us use in modern life to pay for certain goods and services. However, Tinkoff Bank went further and developed the so-called Tinkoff Internet bank for business, which is a unique service for small and medium-sized businesses. The opportunities offered are truly diverse; they help you manage your own business more efficiently with minimal costs. Let's look at the proposed programs in more detail.

What opportunities does Tinkoff Internet Bank open for business?

Tinkoff Bank offers its business clients to open a current account and manage it remotely using online banking and a mobile application. They work in any browser, and are also capable of integration with a number of programs that are most often used in the work of an organization (among them “1C: Enterprise”, “Kontour”, “Button” and “My Business”).

The Internet bank developed by Tinkoff for legal entities allows you to:

• submit tax returns online;
• displays an analysis of the movement of funds in the account;
• simplifies payments;
• provides the opportunity to create (or transfer from the previous bank) a partner database.

Users of this service receive additional features, including attracting bank credit resources for favorable conditions, receiving additional income in the form of interest on the account balance. The bank also provides free salary service. There is no need to contact the bank in person: documents are completed online and delivered directly to the office.

At the same time, the bank guarantees fast work: the operating day is extended and ranges from 7 am to 9 pm. Moreover, transactions within the bank are carried out around the clock. The balance that the organization has in its account is updated instantly, which allows you to dispose of the funds received without delay.

How to start cooperation with Tinkoff Bank?

The service from Tinkoff Bank appeared relatively recently, but we can already state the fact that it is very popular among representatives target audience. More and more owners of enterprises of various sizes are choosing this model of cooperation with the bank. And this is no coincidence, because the Tinkoff Business Internet Bank service has a number of significant advantages, among which are the following:

• information security:
• reliability of the service;
• multifunctionality of the system;
• provision operational decisions various issues related to financial activities companies;
• Cash can be either deposited into the account or withdrawn (through terminals and ATMs).

The bank offers two possible packages:

• simple – 490 rubles per month, 49 rubles per payment starting from the fourth;
• advanced – 990 rubles per month, 29 rubles per payment starting from the eleventh.

It is important to note that there is currently an offer: when opening an account, connection to Internet banking for business and the first two months of service are provided free of charge.

People who run their own companies overwhelmingly value their time highly. Tinkoff Bank took this into account and simplified the procedure for opening a current account as much as possible: a registered legal entity provides its details by filling out a special form on the bank’s website, after which a bank representative contacts him and arranges a meeting at the office to sign documents.

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It can be difficult for modern entrepreneurs to independently cope with business affairs and at the same time manage all its financial affairs. Meanwhile, high-quality accounting and regular tax deductions must be made in any business. Otherwise, the entrepreneur will not last long in the market, as he will be overwhelmed by a wave of attacks from tax office and other inspectors public services. Tinkoff Bank ready to help entrepreneurs in a wide variety of areas, all services banking organization will be available to the client after logging into Personal Area.

The service offered by a bank called Tinkoff is truly unique. Its primary functional purpose is to significantly optimize cash settlement services, as well as processes accounting legal entities. It offers a wide range of interesting possibilities.

What is the need for a personal account?

To date, Tinkoff business provides a personal account on the Internet, which provides a wide variety of high-quality services for the organization’s clients who have their own business. The most relevant personal bank account will be for:

• legal entities;
• open and closed joint stock companies;
• various LLCs;
• individual entrepreneurs.

Among financial transactions, which open to the user after logging into the personal account of a banking organization, it is worth highlighting the following:

• performing a calculation tax payments and even the amount of advance payments to subordinates;
• carrying out calculations legal entity or individual entrepreneur with counterparties;
• performing translations Money from the company's account;
• acceptance of finances for crediting to the company's account;
• making all necessary tax and other regular payments at any time convenient for the user, day or night, without direct presence within the tax office;
• setting up reminders for the user about upcoming declaration filing dates;
• use of overdraft;
• attracting investments and so on.

The list above shows the basic features of your personal account. However, the service option implies the ability to solve a wider range of problems. Additional ones include:

• exchange control;
• acquiring;
• salary project.

Follow the “Try” link

How to log into your personal account?

1. In any browser, open the link – https://www.tinkoff.ru/business.
2. On the page that opens, click on the “try” button.
3. A special form will open in front of you, in which you need to enter your personal mobile phone number.
4. Next, you should familiarize yourself with the conditions under which you transfer your personal data to the bank. After this, click on the “Submit” link.
5. Only a few seconds will pass and a special SMS message from the bank will be sent to the phone number you specified earlier. It will indicate secret code, which in turn must be entered into the form provided for this purpose.
6. Next, a new page will appear in front of you. There, follow the link called “start simple.” In the new registration form, indicate which one you are using. email address e-mail, as well as details of your bank card. Lastly, a password and login are created, with which you will again be able to use your personal account.

Tinkoff Bank offers the service of opening a current account for individual entrepreneurs. This financial institution serves clients remotely around the clock information support. This offer allows entrepreneurs to save time and conveniently manage their finances.

Terms of service for individual entrepreneurs

Oleg Yuryevich Tinkov.

A current account for individual entrepreneurs is an account for conducting commerce through which all monetary transactions. These include:

• settlements with suppliers and customers;
• payment of taxes;
• transfer of insurance premiums and other transactions.

An account opened with Tinkoff Bank for individual entrepreneurs has its advantages:

1. Interbank transfers are carried out from 7 to 21 hours daily, internal transfers - around the clock.
2. Instant transfer of payments.
3. Calculation of interest on the account balance.
4. Availability of convenient Internet banking.
5. Possibility to link an account to electronic accounting systems.
6. At the request of the entrepreneur, order salary cards for staff.
7. Opening an account takes place in one day.

Allows you to issue an invoice with the minimum required set of documents:

• passport;
• document confirming registration with tax authorities(TIN);
• OGRNIP – certificate of registration of individual entrepreneur’s activities.

To service an open current account, clients are offered two tariff plans.

Interesting! Whatever tariff you choose, Tinkoff provides the opportunity to test all the capabilities of the service for free for two months.

Tariff "Simple"

The “Simple” tariff is suitable for beginning entrepreneurs and for those who carry out a small number of transactions within billing period. This tariff includes the following types of commissions and features:

1. The first three payments are free, then 49 rubles for each transaction.
2. Cash withdrawal fee 1.5% or 99 rubles (for withdrawals up to 400 thousand per month).
3. Interest-free transfer of up to 150,000 rubles per month to personal card Tinkoff Black.
4. The cost of depositing cash is 299 rubles.
5. Transfer to individuals – 1.5% of the payment cost, but not less than 99 rubles.
6. The balance on the account is charged 6% per annum.
7. The cost of service is free for the first two months, then 490 rubles per month.

Advertising banking products for business.

The client is provided with two cards: corporate and payment. Their service is interest-free.

Interesting! If the individual entrepreneur has been registered for less than six months or is absent money turnover, no account maintenance fees are charged for 6 months.

Tariff "Advanced"

The “Advanced” tariff is convenient for entrepreneurs with a stable cash flow. The program is offered under the following conditions:

1. Cost of one payment transaction 29 rubles. Ten payments per month are free.
2. The interest rate for depositing cash over 100 thousand rubles is 0.25%.
3. Cash withdrawals from ATMs and transfers to a personal card up to 100 thousand rubles are free, above this amount - 1%, but not less than 79 rubles.
4. The commission for transferring funds to individuals is the same as for withdrawing cash.
5. Accrual on the balance up to 8% per annum.
6. The cost of service after two months of using the service is 990 rubles.

The client is issued two corporate and two payment cards without payment.

Behind additional fee you can connect the following options:

1. Any number of interbank payments on the Internet and mobile banking– 990 rubles monthly.
2. Cash deposit for an unlimited amount – 1,990 rubles per month.
3. Unlimited transfers to individuals – 2,990 rubles per month.

You can also choose the optimal tariff by consulting with bank employees, who will answer the client’s questions around the clock.

How to open a current account at Tinkoff Bank?

In order to open a current account, you need to fill out the appropriate application on the bank’s website tinkoff.ru. You will need to provide the following information:

• Company name;
• phone number;
• e-mail.

Next, you should confirm your agreement with the terms of information transfer. After this, you should receive a confirmation by phone number and an e-mail, which will contain the parameters necessary to enter your personal account.

The next action will be to log into your personal account. To do this, you will need to fill out a form and send scans of pages of your passport and other documents, and select a tariff. After receiving all the documents, the bank representative arranges a meeting with the client.

The final stage will be the signing of the contract, which the manager will bring to the time and place agreed upon with the entrepreneur. That's it, the current account is open.

For companies and individual entrepreneurs, Tinkoff offers the “Bank for Business” service. There is no need to travel anywhere and waste your time; everything you need is available on the Internet or mobile banking.

What services are included?

⦁ Current account (in rubles, dollars, pounds or euros). Payment day within the bank is 24/7, to other banks from 4:00 to 21:00. A plastic card is automatically issued for the account.
⦁ Accounting. Automatically calculates taxable income, calculates taxes according to the simplified tax system of 6% and UTII, and compiles tax return. In order to send declarations via the Internet, an electronic digital signature (EDS) will be made free of charge.
⦁ Salary project. Debit cards are free for companies and their employees. The salary is credited instantly, and withdrawals are possible at all ATMs in the world completely free of charge. Employee cards will be eligible for cashback (up to 30%) and 6% per annum on the balance.
⦁ Trade acquiring and online cash registers. You can buy or rent terminals for accepting cards for free (transaction commission from 1.59%), which are compatible with online cash registers.


⦁ Internet acquiring (cards, WebMoney, payment from phone, Apple Pay). Your personal account is connected in two days. The commission will range from 0.85% to 2.79%.
⦁ Overdraft and loans. If you need money for an urgent payment, the bank provides the opportunity to use its funds within the approved overdraft limit. The cost of entering the overdraft is 490 rubles.


⦁ Government procurement. Registration of bank guarantees (up to 200 million rubles), loans for participation in tenders, guarantees for commercial contracts.
⦁ Other services: currency control, accounting outsourcing, verification of counterparties, payment creation, invoicing and management accounting.


Each client receives a personal manager who will help resolve any issues 24 hours a day, 7 days a week.

Service cost.

Users are offered three tariffs: simple (490 rubles/month), advanced (990 rubles/month) and professional (4990 rubles/month). The first two months of the service can be used for free.

How to connect?

To use the service, you must fill out an application on the website, download Required documents and meet with a bank representative. After going through all the stages, you will have a login and password to enter your Tinkoff Business personal account. The button to log into your personal account is located in the upper right corner of the site (in the business section).

Demo mode.

You can familiarize yourself with the interface of your personal account in the demo version. To do this, you need to click on the button to enter your personal account (upper right corner of the site), and then “enter demo mode”.

I registered with Tinkoff Bank for business.

Background: as an individual entrepreneur, I used Sberbank Business Online for several years. Over the years, the system has hardly changed: there is no notification of the arrival of funds, transfers even within the bank - from a business to a personal account can take hours.

I called 8 800 555 77 78 and asked a bunch of questions. The operator helped determine the tariff. The price is several times less than that of my previous bank. This is good. I submitted an application and gained access to my personal account. In 10 minutes I filled out the form and sent scans of my passport, personal identification number, certificate of identification and tax identification number. The questionnaire and interface are all very simple and understandable.

Registration with Tinkoff Business means a minimum of fuss with papers: everything is very fast.

The bank checked the data for about an hour, then an SMS arrived saying that it was necessary to make an appointment with a bank representative and sign documents.

A day later, a meeting took place: two packages with documents, 20 minutes for questions, signatures, photos of documents, etc. The representative also brought a corporate card linked to the account. It's free. After a long experience with another bank, such loyalty to the client is surprising. And the prices are also relatively small, and in many cases even zero.

After 2 hours I received a message that the account was opened. I set the code word over the phone, activated the card and selected a pin.

Personal account of Tinkov Business with my still zero account.

About tariffs - the most affordable - Simple:

• Maintenance 0 rubles for the first 2 months, then 490 rubles.
• Payments are 0 rubles for the first 3 payments, then 49 rubles.
• Withdraw cash 1.5% if you withdraw up to 400,000 rubles/month.

Tinkoff Business personal account is very simple and understandable.

The first money has arrived, an SMS notification has arrived - very convenient!

Fees for withdrawals

This is the bank's weak point. At a Sberbank ATM, you can withdraw no more than 5,000 rubles per transaction from a card of another bank. Tinkov’s commission is 99 rubles - minimum or 1.5% of the withdrawn amount. This is a lot, the bank is clearly designed for payments exclusively by card.

You need to look for ATMs where you can withdraw more than a large sum. Unfortunately, not all stores accept cards yet, for example, small bakeries and flower shops only accept cash.

How to withdraw cheaper and faster: in my case, transfer to Sberbank online (1.5%), and then withdraw from the Sberbank card. In terms of time, the money arrives on the Sberbank card in about 12 hours (support said from a few minutes to 5 days).

Unfortunately, there is another minus: Tinkoff.business does not have the usual transfer to a card by entering its number, you need to enter the card details, card account number (and with Sber there are cases when you can’t get it!). They say it's easier to start debit card at Tinkoff Bank, but I don’t need it yet

Review of Tinkoff Business for entrepreneurs

This will sound pompous, but Tinkoff Business is currently one of the most advanced and progressive services, which, taking into account the most effective technologies, can provide any entrepreneur with highly qualified and productive management financial means.

If registered in the Tinkoff system, the client receives the following benefits:

• access to your personal account around the clock (access to mobile application and Internet banking);
• conducting accounting and tax accounting at a professional level (accounting is carried out using modern software);
• exercising complete control over the financial assets of the enterprise;
• professional round-the-clock technical support, as well as support from a personal manager on all emerging issues (personal manager, although they change, it is very convenient, especially the chat);
• reliable protection and confidentiality of each client.
• + ability to maintain tax accounting, sending tax reports, reminders about timely payment of taxes and fees.

The Tinkoff Business Personal Account is very logical and easy to learn - there are no heaps of bookmarks here, like one popular bank, everything is very clear and understandable.

For the system to fully operate, you need a personal computer, tablet or phone with an Internet connection. The operation of opening an account takes a minimum amount of time.

Intra-bank settlements in the Tinkoff Business system are carried out around the clock.

The advantages of the service include:

• favorable rates (no payment for up to six months);
• ability to configure the access level for personnel;
• accrual on the account balance up to eight percent per annum;
• free project design wages with the production of bank cards;
• making bank payments using scanned documents.

Reliability Tinkoff Business

The Tinkoff Business system guarantees the most reliable system of protection and confidentiality for its clients. All service data is under constant protection of the best software, which guarantees the reliability of all transactions. banking operations.

The system also allows each user to customize different access levels for their staff, and all completed transactions must be constantly confirmed via SMS messages.

Reviews about Tinkoff Business: pros and cons

Clients consider the main advantages of the Tinkoff Business project to be:

• high-quality operation of Internet banking and mobile application;
• the most convenient cash settlement service;
• technical support and the opportunity to consult with a personal manager (each client of the service is offered the use personal manager who can assist in resolving any issue that arises);
• Special offers, which are provided on an ongoing basis by the bank (marketing, assistance in attracting clients, automation of a business project, and so on);
• convenient personal user account (in the user account you will have access to the following functionality: account balance, receipts, debits, history of transactions, financial control, secure payments with informing the recipient about the execution of the payment, a special chat with technical support specialists, the possibility of paying salaries to staff);
• online accounting (24/7 access to professional software accounting, maintenance tax reporting, use of payment orders, automatic payment and much more).

Working with Tinkov Business is a pleasure: relatively fast payments, convenient account analytics.

How do you withdraw cash and are there any limits?

Users of Tinkoff Bank can withdraw cash from any nearest ATM using a card. The daily amount that you can withdraw is limited to a threshold of one hundred thousand rubles. Commission fees for withdrawing funds are charged according to the selected tariff plan.

Tariffs Tinkoff business

Tariff Simple

“Simple” is perfect for entrepreneurs who have opened their own business recently and use their account on rare occasions. The cost of this tariff plan will be 490 rubles monthly. If there is no cash turnover during the month of use, then no fee will be charged accordingly. This tariff is suitable for a company with limited liability, individual entrepreneurs and other forms of ownership.

Important information: For individual entrepreneurs who have recently opened, there will be no fee for using the tariff for the first six months.

Also, the first three external money transfers made within the system will be absolutely free, and for subsequent transactions a commission of 49 rubles will be charged. Internal money transfers banking system and payment of taxes are free of charge.

Tariff Advanced

“Advanced” is more suitable for entrepreneurs who have substantial cash savings. The cost of this tariff plan will be 990 rubles monthly. Depositing 100 thousand rubles monthly is free, but for depositing amounts exceeding this, a commission of 0.25 percent will be calculated.

The first ten external payments are absolutely free, and for the next you will have to pay 29 rubles.

Also, an important advantage for owners of the “Advanced” tariff plan is the ability to purchase a subscription, which will allow you to make an unlimited number of banking transactions and receive free bank cards.

Tariff Professional

“Professional” is highly recommended for businessmen who have a large and stable financial structure. The cost of this tariff plan will cost 4990 rubles monthly. However, all basic operations will be much cheaper. The balance of your funds is accrued up to eight percent per annum.

Which tariff is better to choose?

Choose tariff plan necessary in accordance with your business situation, capabilities and needs. For example, a novice entrepreneur should never purchase the “Professional” tariff plan. At the same time, the “Simple” tariff simply will not be enough for large businessmen. Therefore, it is recommended to choose a tariff plan for yourself in accordance with your capabilities and preferences.

How to open a current account with Tinkoff Business: instructions

To open your own current account in the Tinkoff Business system, you need to complete the following steps:

1. Register a limited liability company or individual entrepreneur;
2. Fill out an application:
   1. go to the official website of the service - link ;
   2. fill out the required forms;
   3. Expect a call from support to clarify your details.;
3. Send all necessary copies of your documents (passport, TIN, extracts, etc.);
4. Wait for the results of checking your documents, as well as a repeat call from the site support service;
5. Meet with the bank manager at a time convenient for you and sign an agreement;
6. Get your current account number;
7. Log in to the user's personal account using your login and password, which will be sent by SMS to your phone number.

Full activation of your current account will occur the moment you log into your user account. After this, you will be able to enjoy all the functionality of the Tinkoff Business service.

Study the rates carefully. Switching from tariff to tariff is very simple - you can do it directly in your personal account yourself.

Are there any special offers and promotions?

The range of bonus and promotional offers of the Tinkoff Business project is quite wide. The best offers are:

• free services for cash accounting;
• assistance in attracting a circle of clients;
• a wide variety of marketing services;
• automation of banking operations.

How can a personal manager help?